UnCommon Cents

How do you know if you need a Financial Plan? Does the thought of retirement seem daunting? It doesn't have to be, and in fact, it should be more about purpose than just money. Keith offers some phenomenal advice on key factors to consider while planning for retirement and the common pitfalls to avoid. He underscores the importance of leading a purposeful life post-retirement and not merely depending on social security or inheritance.  We debunk the myth that financial planning is merely for the ultra-wealthy and shed light on the tangible benefits it can bring to everyone. We delve into the significance of proper planning for retirement and comprehending the risks involved in it.  So, buckle up, and let's navigate the maze of financial planning together. Get ready to take control of your financial future - whether you have millions or just hundreds of thousands of dollars to your name, this episode is a must-listen!

This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

The American Dream Experience presentation is based on the views of Matson Money, Inc. Other persons may analyze investments and the approach to investing from a different perspective than that reflected in this presentation. Nothing included In the American Dream Experience is intended to imply that the approach to investing espoused in this presentation will assure any particular investment results. All investing involves risks and costs. No investment strategy, including asset allocation and diversification strategies, can ensure peace of mind, guarantee profit, or protect against loss.

Ready to shatter some long-held myths about investing? Join us as we dive deep into the world of stocks picking in the form of  derivatives, pulling apart the fallacies that have led even the brightest minds, like Sir Isaac Newton, down costly paths. We're debunking the allure of stock picking and exposing the reality - it's an approach that often leads to higher costs and diminished returns.

We're also demystifying derivatives. Yes, they can be complex, but they too can provide opportunities for risk management and hedging. We'll guide you through the maze of collateralized debt obligations, credit default swaps, futures, mortgage-backed securities, and options. We'll even look back at some pivotal moments in financial history to show just how influential these instruments can be.

But it's not all risk and ruin. We're bringing some uncommon sense to the investment table. We'll show you how having a clear purpose for your money and your life can lead to smarter investment decisions. Let's explore the exotic options market together, and examine the role that credit default swaps played in the 2008 financial crisis. So, whether you're a seasoned investor or just starting your journey, let us guide you towards a better understanding of investment complexities.

This episode is a must-listen for anyone wanting to avoid pitfalls in investing without a clear understanding. Tune in, and let's navigate the world of investments together.

Sources:
https://www.investopedia.com/articles/optioninvestor/10/derivatives-101.asp 

https://www.investopedia.com/terms/d/derivative.asp 

 https://www.investopedia.com/terms/e/exoticoption.asp 

 https://rpc.cfainstitute.org/en/policy/positions/derivatives

https://royalsocietypublishing.org/doi/10.1098/rsnr.2018.0018

https://www.goodreads.com/book/show/10669.When_Genius_Failed

https://www.sfmagazine.com/articles/2015/april/the-tale-of-a-whale/?psso=true#:~:text=The%20London%20Whale%20trading%20scandal,signals%E2%80%94especially%20to%20management%20accountants

This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

The American Dream Experience presentation is based on the views of Matson Money, Inc. Other persons may analyze investments and the approach to investing from a different perspective than that reflected in this presentation. Nothing included In the American Dream Experience is intended to imply that the approach to investing espoused in this presentation will assure any particular investment results. All investing involves risks and costs. No investment strategy, including asset allocation and diversification strategies, can ensure peace of mind, guarantee profit, or protect against loss.

Did you know that your emotional attachment to certain stocks could be a ticking time bomb in your portfolio? In this episode, we reveal the pitfalls of stockpicking and the dangers of legacy investing and employer stock investing. Countless investors are blinded by their affinity for certain shares, whether gifted, inherited, or earned through their job, overlooking the potential threats these stocks pose. Remember Enron? Those once golden shares were worthless overnight. We unravel such cautionary tales to emphasize the necessity of diversification in a sound investment strategy.

Gear up for an intriguing discussion on the Smart Plan Investing approach which includes monthly master classes and the American Dream Experience. Expect insights on the merits of an academic approach to investing and the importance of understanding destructive investing behaviors. 

Hold on, we're not done yet! Navigate with us through the labyrinth of taxation and witness how diversification can be your investment's life-raft. Drawing the line between dividend and capital gains taxes, we underline the importance of a well-rounded investment strategy considering the bigger picture. 

Ever pondered how dividends and capital gains tax rates could impact your financial plans? We expose the stark differences and discuss savvy approaches to reduce tax impacts when diversifying your portfolio. Finally, we introduce you to the academic approach to investing, through SmartPlan Investing and the American Dream Experience, that can help you steer clear of the detrimental behaviors linked to stockpicking and help you establish a more stable financial future. Tune in to learn, unlearn, and relearn the art of investing!

Let's embark on this journey together, breaking free from traditional investing pitfalls, and striving for more. Don't be a stranger, join the conversation now! 

This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

The American Dream Experience presentation is based on the views of Matson Money, Inc. Other persons may analyze investments and the approach to investing from a different perspective than that reflected in this presentation. Nothing included In the American Dream Experience is intended to imply that the approach to investing espoused in this presentation will assure any particular investment results. All investing involves risks and costs. No investment strategy, including asset allocation and diversification strategies, can ensure peace of mind, guarantee profit, or protect against loss.

Experience the transformative power of artificial intelligence as we expose how it's revolutionizing the business world and altering the way we live. The episode is packed with insights into how AI can bolster business efficiency, stimulate growth, and offer tailor-made solutions to cater to individual needs. We're joined by Salem, an accomplished business coach, who uses AI to boost the success of women entrepreneurs. Through Salem's enlightening experiences, we unpack how AI tools like Chat GPT and Copy Dot AI can be a game-changer in automating business operations and freeing you from routine tasks.

Let's delve into the intriguing world of AI stocks, where we unravel the history, risks, and rewards of investing in this rapidly evolving technology. Drawing lessons from the tech bubble, we guide you on navigating the tricky terrain of AI investments, marking the importance of diversification, rebalancing, and due diligence. With us, learn to recognize the investor behaviors and risks in AI investing, underscoring the significance of a well-balanced portfolio and cautious investment strategies.

Wrapping up, we leave you with actionable tips to ensure AI works best for your business and helps you stay ahead in the digital era. Learn to leverage AI for online marketing and customer engagement and understand how various AI tools can automate tasks like content creation and social media management. So, join us on this enlightening journey as we unveil the future of business efficiency and growth through AI.

Sources:
https://www.officialdata.org/us/stocks/s-p-500/2000

Sailynn Doyle
The FUN Business Coach
Passion Purpose Posture LLC
www.passionpurposeposture.com/sailynn

This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

The American Dream Experience presentation is based on the views of Matson Money, Inc. Other persons may analyze investments and the approach to investing from a different perspective than that reflected in this presentation. Nothing included In the American Dream Experience is intended to imply that the approach to investing espoused in this presentation will assure any particular investment results. All investing involves risks and costs. No investment strategy, including asset allocation and diversification strategies, can ensure peace of mind, guarantee profit, or protect against loss.

Are you ready to shift your perspective on investing? 

I'm Jennifer Foster, your guide on this enlightening journey through the volatile world of stocks and the trending topic of ESG investing. Together, we'll unravel the misconceptions around stock picking, examine why it can be destructive, and explore the captivating allure of big-name stocks. Plus, I'll fill you in on our free virtual masterclass events that arm you with evidence-backed knowledge to confidently navigate your financial journey.

But that's not all we're uncovering today. We delve into the intricate world of ESG investing - a strategy capturing the attention of socially conscious investors worldwide. I'll guide you through the ESG maze, discussing what it stands for, its environmental, social, and governance criteria, the varying approaches of brokerage firms, and whether it's truly aligned with your values or just another marketing ruse. We'll tackle the ethics surrounding it and uncover the reality behind this investment strategy.

We also take the time to weigh the pros and cons of ESG investing and how it could potentially safeguard your investments from massive losses. We'll journey together through real-life examples and discuss how adhering to ESG standards could have added risk. Plus, we investigate a recent lawsuit alleging fiduciary breach related to ESG investing, offering an intriguing insight into the legal and ethical considerations of ESG. Whether you're a seasoned investor or a newcomer, this episode is packed with rich insights that will transform your investment strategy. Step into the world of smart investing today.

Sources: 

https://www.investopedia.com/terms/e/environmental-social-and-governance-esg-criteria.asp 

https://www.thewealthadvisor.com/article/suit-says-esg-options-focus-put-401k-balances-risk?WT.i_asset_id=Retirement%206-7-23&WT.mc_id=407&WT.i_dcsvid=jen%40smartplaninvesting.com 

This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

The American Dream Experience presentation is based on the views of Matson Money, Inc. Other persons may analyze investments and the approach to investing from a different perspective than that reflected in this presentation. Nothing included In the American Dream Experience is intended to imply that the approach to investing espoused in this presentation will assure any particular investment results. All investing involves risks and costs. No investment strategy, including asset allocation and diversification strategies, can ensure peace of mind, guarantee profit, or protect against loss.

Ever felt perplexed by all the chatter surrounding dividend paying stocks? Buckle up because we're about to strip away the mystery! As your trusted investment strategy guide, I, Jennifer Foster, take you on a thrilling ride through the intricacies of dividends. Expect to encounter the good, the bad, and even the ugly as we delve into the enticing world of dividends, their pros and cons, and the often misunderstood concept of dividend yields.

Hold on tight, as we traverse the tumultuous times of 2008 and 2009, when major banks drastically diminished their dividends, laying bare the inherent risks. By the close, you'll be armed with a wealth of knowledge on dividends and a fresh perspective on how to incorporate them into your investment strategy. Plus, get ready for an introduction to our free virtual master class events and the American Dream Experience, where Nobel Prize winners in economics share their wisdom. So, let's gear up to revolutionize our approach towards money and investing.

Sources:
https://en.wikipedia.org/wiki/Dutch_East_India_Company 

https://www.investopedia.com/terms/d/dividend.asp 

https://en.wikipedia.org/wiki/Dividend 

Disclaimer:
The American Dream Experience presentation is based on
the views of Matson Money, Inc. Other persons may analyze
investments and the approach to investing from a different
perspective than that reflected in this presentation. Nothing
included In the American Dream Experience is intended to imply
that the approach to investing espoused in this presentation will
assure any particular investment results. All investing involves
risks and costs. No investment strategy, including asset allocation
and diversification strategies, can ensure peace of mind,
guarantee profit, or protect against loss.

This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

The American Dream Experience presentation is based on the views of Matson Money, Inc. Other persons may analyze investments and the approach to investing from a different perspective than that reflected in this presentation. Nothing included In the American Dream Experience is intended to imply that the approach to investing espoused in this presentation will assure any particular investment results. All investing involves risks and costs. No investment strategy, including asset allocation and diversification strategies, can ensure peace of mind, guarantee profit, or protect against loss.

What if you could comprehend the complexities of modern portfolio theory and behavioral finance, while simultaneously exploring the concept of the American Dream? And what if you could do all this guided by the wisdom of renowned economist, Dr. Harry Markowitz? We proudly dedicate our latest episode to the monumental contributions of Dr. Markowitz, whose influential work has significantly shaped our portfolio strategy at SmartPlan Investing. From examining his breakthrough research on portfolio risk,  we honor the legacy of this Nobel laureate.

But, that's not all. We're extending our conversation to draw similarities between portfolio engineering and structural engineering. The risks inherent in both investing and adventure tourism are critically examined, asking whether we fully understand the dangers we're signing up for.  Finally, we introduce the American Dream Experience – a chance at transformation and realization of your dreams. Tune in as we pay homage to Dr. Markowitz, delve into risk management, and explore the path to your very own American Dream.

Sources:

https://www.matsonmoney.com/remembering-dr-harry-markowitz/
https://www.nytimes.com/2023/06/25/obituaries/harry-m-markowitz-dead.html
 
https://www.npr.org/2023/06/21/1183408455/oceangate-safety-concerns-titan-submersible?live=1

https://apnews.com/article/titan-titanic-submersible-design-49b8c2a713f316ce5987a394a27d23e8

https://www.npr.org/2023/06/21/1183408455/oceangate-safety-concerns-titan-submersible?live=1

https://www.matsonmoney.com/remembering-dr-harry-markowitz/ 

Disclaimer: 

Academic Advisory Board members receive compensation from Matson Money for their services which include, but are not limited to, independent leadership consulting; co-authoring white papers; and speaking at Matson Money conferences. Advisory Board members may also provide insight to Matson Money on portfolio construction, asset allocation, quantitative analysis, investor behavior and other areas of expertise, as needed.  

 
Markowitz, Harry. Portfolio Selection: Efficient Diversification of Investments. New York. Wiley. 1959. Print.  

www.nobelprize.org  

The Nobel Memorial Prize in Economic Sciences, commonly referred to as the Nobel

This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

The American Dream Experience presentation is based on the views of Matson Money, Inc. Other persons may analyze investments and the approach to investing from a different perspective than that reflected in this presentation. Nothing included In the American Dream Experience is intended to imply that the approach to investing espoused in this presentation will assure any particular investment results. All investing involves risks and costs. No investment strategy, including asset allocation and diversification strategies, can ensure peace of mind, guarantee profit, or protect against loss.

What happens when a fitness instructor decides to transition into the world of Real Estate? Join us as we chat with Maria, a successful Real Estate agent who made the leap and has never looked back. With her adorable daughter Genesis by her side, Maria shares her fascinating journey from working at her family's renowned real estate brokerage to joining Keller Williams and starting her own team, Best Home Ever.

In this heartfelt conversation, we explore the ins and outs of the real estate market, from timing your home purchase to choosing the right property for investment. Maria offers valuable insights on the benefits of investing in properties that can be rented or sold for a profit, and the importance of a strategic location for Airbnb success. We also discuss the critical role of a reliable property manager, tax benefits, strategies for investing, and Maria's inspiring endeavor to start a nonprofit in honor of her mother. Don't miss out on this engaging, informative, and heartwarming episode!

Maria Termotto-Horwitz
Best Home Ever Palm Beaches
Village Management Services
2901 PGA Blvd Unit 100
Palm Beach Gardens, FL 33410

Phone: (561) 779-9452
Email: [email protected]
Website: http://besthomeever.kw.com & https://villagemaint.com/
Instagram: https://www.instagram.com/myrealtorcouple
Facebook: https://www.facebook.com/besthomever
Download my KW App to explore all homes that are active! ->  https://www.kw.com/download/KW1L0L5BR

This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

The American Dream Experience presentation is based on the views of Matson Money, Inc. Other persons may analyze investments and the approach to investing from a different perspective than that reflected in this presentation. Nothing included In the American Dream Experience is intended to imply that the approach to investing espoused in this presentation will assure any particular investment results. All investing involves risks and costs. No investment strategy, including asset allocation and diversification strategies, can ensure peace of mind, guarantee profit, or protect against loss.

What if I told you there's more to the current housing market than meets the eye, and that the right loan options can make all the difference? Discover the secrets behind today's market with our amazing guest, Leah from Leah Lending with Leah. We dive deep into the differences between the market prior to the 2008 crash and now, exploring consumer protection regulations, supply and demand, and the presence of stated income and no verification loans. Plus, find out if there's any truth to the idea that the current market feels like a bubble.

Real estate investing is more accessible than ever, and you don't want to miss out on the perfect time to make your move. Leah and I uncover the correlation between inflation and mortgage rates, as well as the consequences of the Federal Reserve manipulating these rates. We also share invaluable tips for homebuyers, such as how to leverage down payment assistance programs and why you shouldn't use all your liquid cash.

Ever wondered if FHA loans are right for you? Leah and I break down the pros and cons of the Federal Housing Administration (FHA) loan system and how it compares to other loan options like conventional loans, Fannie Mae and Freddie Mac loans, and VA loans. We even debunk the misconception of the first-time homebuyer credit and reveal whether it's likely to be extended into 2023. Don't miss this insightful conversation packed with essential knowledge and expert advice for navigating the housing market.

Leah Bunning, Producing Sales Manager with Level 10 Mortgage & owner of the Lending with Leah podcast
[email protected]
FB: Leah Bunning
IG: @LendingwithLeah
YouTube: Lending with Leah
Tik Tok: LendingwithLeah

NMLS # 1741305
Mobile (480) 276-2302

This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

The American Dream Experience presentation is based on the views of Matson Money, Inc. Other persons may analyze investments and the approach to investing from a different perspective than that reflected in this presentation. Nothing included In the American Dream Experience is intended to imply that the approach to investing espoused in this presentation will assure any particular investment results. All investing involves risks and costs. No investment strategy, including asset allocation and diversification strategies, can ensure peace of mind, guarantee profit, or protect against loss.

In this episode I cover a topic that is on many American’s minds and that is the National Debt and whether the government is going to raise the debt ceiling or not, and what this means to many of us. 

Many Americans and investors are experiencing extreme anxiety and fear. We don’t have just Economic and political fears that we are dealing with, but personal fears as well (such as deaths, divorce, depression, financial hardship, personal injury or illness and many more issues. 

When we watch the news, they can lead us to believe we are facing an Economic Armageddon! The news channels and media outlets need you tuning in to stay on the air, and they know how to use your own brain against you.

Sources for content mentioned in this episode: 

Has the U.S. ever defaulted on its debt over failure to raise the debt ceiling? 

THE SOURCES 

• The Council of Economic Advisers (CEA), an agency in the Executive Office of the President 
• The Congressional Research Service 
• Bipartisan Policy Center 
• Gary Richardson, Ph.D., professor of economics at the University of California Irvine 
• Thomas Kahn, distinguished faculty fellow at American University’s Center for Congressional and Presidential Studies 

https://www.cbs8.com/article/news/verify/economy-verify/us-default-history-debt-ceiling-fact-check/536-fac80bee-680e-4ef9-a086-c02343cb1552 

https://usafacts.org/articles/whats-the-history-of-debt-ceiling-increases-in-the-us/?utm_source=google&utm_medium=cpc&utm_campaign=ND-Economy&gclid=CjwKCAjw67ajBhAVEiwA2g_jEDgxiwjLSX0IQzJRjHbdcvwcl2nNuL24gGnowyIrtzU3rdt9_7dYYxoCh3YQAvD_BwE 

 https://en.wikipedia.org/wiki/United_States_debt_ceiling#:~:text=The%20U.S.%20has%20never%20reached,including%20the%20Treasury%20were%20burned. 

This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

The American Dream Experience presentation is based on the views of Matson Money, Inc. Other persons may analyze investments and the approach to investing from a different perspective than that reflected in this presentation. Nothing included In the American Dream Experience is intended to imply that the approach to investing espoused in this presentation will assure any particular investment results. All investing involves risks and costs. No investment strategy, including asset allocation and diversification strategies, can ensure peace of mind, guarantee profit, or protect against loss.